First United National Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio dropped 1.70 percentage points in Q2 2026, from 58.43% to 56.73%. It was the largest change from Q1 2026 among the key lines here. First United National Bank has the 9th lowest loan-to-deposit ratio of the 109 banks headquartered in Pennsylvania, at 56.73% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First United National Bank sits 24.11 points lower, at 56.73% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $205.7M |
| Net loans and leases | $204.6M |
| Loans held for sale | $0 |
| Loans to total assets | 53.31% |
| Loan-to-deposit ratio | 56.73% |
| Net loans to equity capital | 9.37% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.81% |
| Multifamily (5+ residential) | 0.29% |
| Commercial and industrial | 6.71% |
| Consumer | 10.40% |
| Credit cards | 0.00% |
| Farm | 1.15% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.78% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 19.91% |
| Construction concentration (Tier 1 capital + allowance) | 10.71% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.06% |
| Interest income on loans | $3.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $184.3M | $322.4M | 11.11% | 6.75% | 11.99% |
| Q4 2023 | $184.5M | $318.7M | 11.24% | 6.49% | 12.14% |
| Q1 2024 | $184.8M | $329.9M | 10.87% | 6.42% | 12.20% |
| Q2 2024 | $188.8M | $331.4M | 10.64% | 6.40% | 12.60% |
| Q3 2024 | $193.0M | $347.9M | 10.81% | 6.32% | 12.10% |
| Q4 2024 | $194.4M | $337.4M | 10.78% | 5.93% | 11.94% |
| Q1 2025 | $196.0M | $341.1M | 10.50% | 5.96% | 11.93% |
| Q2 2025 | $200.1M | $339.2M | 10.47% | 5.68% | 11.73% |
| Q3 2025 | $203.2M | $342.5M | 10.50% | 5.99% | 11.58% |
| Q4 2025 | $201.3M | $345.0M | 10.47% | 5.87% | 11.44% |
| Q1 2026 | $202.8M | $347.0M | 10.72% | 6.18% | 11.00% |
| Q2 2026 | $205.7M | $362.6M | 10.81% | 6.71% | 10.40% |
First United National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First United National Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First United National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7886) · FFIEC NIC profile (RSSD 127224)